Rockhold Bank

Headquarters

101 East Main Street
Bainbridge, OH 45612
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.62% →
1-Year CD 0.60% 1.55% →
2-Year CD 0.95% 1.45% →
5-Year CD 1.25% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Rockhold Bank is an FDIC insured institution located in Bainbridge, OH. It was founded in 1867 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 16193
Date Established 1867
Assets $ 40.09 million
Loans $ 33.99 million
Deposits $ 35.96 million
Capital $ 3.45 million
 

For a more detailed analysis of Rockhold Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $100 - Learn More
Money Market
0.15% $1,000 $24,999 Learn More
Money Market
0.20% $25,000 $49,999 Learn More
Premium Money Market Account
0.50% $1 $74,999 Learn More
CD Rates APY MIN MAX
12 Mo CD
0.60% $1,000 - Learn More
24 Mo CD
0.95% $1,000 - Learn More
30 Mo CD
1.05% $1,000 - Learn More
36 Mo CD
1.15% $1,000 - Learn More
48 Mo CD
1.25% $1,000 - Learn More
60 Mo CD
1.25% $1,000 - Learn More

Int Checking Rates APY MIN MAX
0.15% $1 $299,999 Learn MoreShow Less

Loan Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Rockhold Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Note to Rockhold Bank
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Branches

Rockhold Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Rockhold Bank Locations


Financial Details

Rockhold Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rockhold Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Rockhold Bank U.S. Bank Average
19.3% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Rockhold Bank had $728,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,446,000 in equity and $326,000 in loans loss reserves. That gives it a Texas Ratio of 19.3%.

Return on Equity
Rockhold Bank U.S. Bank Average
-5.97% 9.41%

Rockhold Bank has a Return on Equity of -5.97% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Rockhold Bank U.S. Bank Average
8.6% 12.82%

Rockhold Bank has a Capitalization of 8.6% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Rockhold Bank Balance Sheet Analysis

As of December 31, 2019, Rockhold Bank had assets of $40,086,000, loans of $33,993,000, and deposits of $35,956,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 2.10 million
Interest-bearing balances $ 1.01 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 1.43 million
Net loans and leases $ 33.99 million
Loan loss allowance $ 0.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.01 million
All other assets $ 1.51 million
     Total Assets $ 36.64 million
LIABILITIES
Total deposits $ 35.96 million
      Interest-bearing deposits $ 26.47 million
      Deposits held in domestic offices $ 35.96 million
      % insured (estimated) 97.16%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.27 million
Subordinated debt N.A.
All other liabilities $ 0.42 million
      Total Liabilities $ 36.64 million
      Shareholders’ Equity $ 3.45 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 1.76 million
Total Interest Expense $ 0.31 million
Net interest income $ 1.45 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.17 million
Total non interest expense $ 1.82 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Rockhold Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Ohio, Rockhold Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 60.43
Multifamily
Mortgages
2.18
Credit Card Loans 0.00
Consumer Auto Loans 0.84
Small Business Loans 17.94
Construction and Development Loans 8.88
Commercial Real Estate 17.94
Commercial and Industrial Loans 6.44
Farm Loans 0.30

Frequently Asked Questions About Rockhold Bank

Branches and Savings

Is Rockhold Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16193.

Why does Rockhold Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Rockhold Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Rockhold Bank a commercial bank?

Yes

Where are Rockhold Bank locations?

See branch locations nearby.

Is Rockhold Bank open on Saturdays?

Is Rockhold Bank open on Sundays?

What time does Rockhold Bank open?

What time does Rockhold Bank close?

Are Rockhold Bank ATMs Open 24/7?

Do Rockhold Bank ATMs accept cash deposits?

Can Rockhold Bank customers use other ATMs?

Do Rockhold Bank branches have notaries?

Will Rockhold Bank notarize my document?

What address for Rockhold Bank should I put for incoming ACH transfers?

Will the Rockhold Bank branch print checks?

Do Rockhold Bank checks expire?

Does Rockhold Bank require US citizenship to open account?

Can Rockhold Bank close my account?

Does Rockhold Bank Report to credit bureaus?

Does Rockhold Bank Use Equifax?

What is Rockhold Bank's ACH Routing Number?

What is Rockhold Bank's SWIFT code?

Products

Does Rockhold Bank offer mortgages?

Compare mortgage rates here.

Does Rockhold Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rockhold Bank offer personal loans?

Compare personal loan rates here.

Does Rockhold Bank offer student loans?

Will Rockhold Bank cash a check?

Will Rockhold Bank redeem a savings bond?

Does Rockhold Bank cash savings bonds?

Will Rockhold Bank cash money orders?

Can Rockhold Bank issue a money order?

Does Rockhold Bank do currency exchange?

Background on The Bank

Who owns Rockhold Bank?

How long has Rockhold Bank been around?

Can Rockhold Bank transfer to other banks?

Does Rockhold Bank have quick pay?

Does Rockhold Bank accept rolled coins?

Will Rockhold Bank accept loose change?

Where is Rockhold Bank headquarters?

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